[maccard]

> I have no idea how they do it. I'm not sure how it's even possible to navigate modern life without a bank account

My partners mum fits the bill of "underbanked". She lives in an area where cash is king (near the border of a country that uses a different currency). She has a bank account, but doesn't use her debit card or online banking.

The answer to "how it's possible" is that she relies on other people who do have bank accounts to do things that require online payments.